Agree or not, most people never calculate the total. They focus on the house price, not the cost of borrowing it. The conversation today is: “How do young people afford to get on the housing ladder?” But is that even the right question? Unknowingly, you’re stepping into a world of debt that often starts early. University, student loans, car finance, credit, workplace pensions… It builds. Becomes normal. A form of “subscription living” you don’t question. In the slides, I broke down a typical UK first-time buyer scenario. A £260K house realistically costs around £580K, before utilities, maintenance, and “decades of your life”. £580K commitment. Time is the real cost. For what? People do the maths differently to create comfort. But it’s wrong. They see: Bought for £260K Now worth £300K And say they’ve made £40K. But they ignore the commitment behind it. The price went up… so did the cost. From what I see, most employees aren’t free. Their life is a subscription. They’re ...